Make Money Count

By Cannect Inc.Business News News Commentary Investing

Make Money Count episodes

September 22Trump vs the Canadian Dollar: What's Really Going On
Why does Trump actually want a weaker Canadian dollar, and what does it mean for your mortgage rate?
In this episode of Make Money Count, Marcus and Justin break down the currency dynamics behind Trump's comments on the Canadian dollar, what's really happening with the Federal Reserve heading into its next decision, and a real mortgage math breakdown that could save, or cost, you over $1,000 depending on your renewal timing.
We break down:
Why a weaker Canadian dollar actually works in Trump's favor, and what it would take to change that
Fed chair Kevin Worsh's mixed signals heading into the September 16 rate decision, and why forward guidance might make a comeback whether he wants it to or not
The 125 basis point gap between US and Canadian interest rates, and where it could be headed next
A real example: what it actually costs to break a mortgage early and switch to fixed, penalty and all
What this all means if you're coming up for renewal in the next several months
The headlines rarely explain the full picture. This episode does.
Watch till the end for the full mortgage math breakdown.
#CanadaMortgage #Mortgag
25 min
September 15Can the Fed Chair Hold the Line Tomorrow?
The US 10-year bond yield just touched 5%, and the Federal Reserve meets tomorrow with a 90% chance of a rate hike already priced in. So what happens if they don't?
In this episode of Make Money Count, Marcus and Justin break down tomorrow's Fed decision, what a hold versus a hike means for bond yields on both ends of the curve, and why the outcome matters just as much for Canadian mortgage holders as it does for the US economy.
We break down:
Why the 10-year touching 5% and the tightening yield spread matter more than the headline number
Whether Fed chair Kevin Worsh can hold rates and still convince the market it's the right call, not just political pressure
Two very different ways a hold could play out for long-term yields, depending on how the market reads it
Why variable rate mortgage holders in Canada could come out ahead if the Fed holds
Tomorrow's decision has real implications on this side of the border too. Watch till the end for the full breakdown.
Who do you think wins if it's a hold? Let us know in the comments.
7 min
September 10Why Fixed Rates Keep Rising Even When the Prime Rate Doesn’t
The Bank of Canada has held rates for seven straight meetings. Your mortgage rate went up anyway.
In this episode of Make Money Count, Marcus and Justin dig into exactly that contradiction. The overnight rate has sat at 2.25% for seven straight meetings, yet fixed rates keep climbing regardless.
We break down:
Why bond yields have risen almost 50 basis points since January even though the Bank of Canada hasn't moved
How bond yields act as an early warning system for inflation and rate decisions, before oil prices or headlines catch up
The $100 bet on whether the Federal Reserve hikes rates on September 16
Why the big banks can't agree on what's next, Rabobank calls 2.25% the peak, Scotiabank says there's 75 basis points more to come
The "variable rate nest" theory, and why that protection from the Bank of Canada might not hold much longer
What anyone renewing soon should actually do right now, and the math behind locking in early
Seven holds. One rising number nobody's talking about.
Watch till the end to find out what it means for your mortgage.
#MakeMoneyCount #Cannect #MortgageRates #BankOfCanada #FixedVsVariable #CanadianEconomy
25 min
August 04What The Big Banks Are Predicting For Your Rate
What if the biggest banks in Canada showed up to the same party and couldn't agree on anything?
In this episode of Make Money Count, Marcus and Justin imagine exactly that: RBC, TD, BMO, and Scotiabank, all in one room, all asked the same question about where rates go next. Three of them show up with nearly the same answer. One of them shows up ready to argue.
We break down:
Why RBC, TD, and BMO all point to weak labor force growth and US trade tariffs as the reason rates are likely on hold
Scotiabank's outlier call for stronger growth and two rate hikes, and why this bank always seems to be the hawk in the room
A chart on Canadian firms' long-run inflation expectations, and why it's holding steady even after a hundred-dollar oil price shock
The role oil prices are playing behind the scenes in keeping inflation above target
Why Justin is still making the case for variable right now, and the math behind that call
Where mortgage rates actually stand today, and the real spread between fixed and variable
Four banks. One question. Only one real disagreement.
Watch till the end to find out which bank is the outlier, and what it means for your mortgage.
#CanadaMortgage #MortgageRates #MortgageTalk #Cannect #MakeMoneyCount #CanadianEconomy
17 min
July 28How the War in Iran Is Impacting Your Mortgage Rate
Is the Iran conflict quietly deciding your mortgage rate?
In this episode of Make Money Count, Marcus and Justin break down why a war most people have stopped watching is doing something nobody expected to bond yields, oil prices, and the rate you pay every month.
We break down:
Why Trump's all in negotiating strategy worked on Canada, the EU, and South America, but is backfiring against Iran
Live shipping data from the Strait of Hormuz and what 105 days of conflict actually look like on the water
A day by day breakdown of July's bond market moves showing yields spiking before the news even breaks
Why war usually sends bond yields down, and why this time the opposite is happening
The hidden cost of political capital, and why Iran isn't paying it the way Trump is
Where mortgage rates actually stand right now, and which competitor "best rate" claims don't hold up
Most people are still waiting for the news to tell them what's coming. Marcus and Justin already found it in the data.
Watch till the end. The gap between the market and the headlines is where the real story is.
#CanadaMortgage #MortgageRates #MortgageTalk #Cannect #MakeMoneyCount #CanadianEconomy
13 min
July 02Hollywood vs Reality: Mortgage Edition
Did Hollywood actually get mortgages right?
In this episode of Make Money Count, Marcus and Justin react to some of Hollywood's most famous mortgage moments, and the gap between fiction and reality is bigger (and smaller) than you'd expect.
We break down:
What subprime really meant in The Big Short, and why it's not the same as today's A-minus or alt-A lending
How that "bartender to boat owner" mockumentary clip wasn't far off from real predatory lending practices
Why Jimmy Stewart's savings and loan speech in It's a Wonderful Life still holds up as a banking lesson
The real cost behind a foreclosure, from both the investor's side and the homeowner's side
The one rule that separates a smooth renovation loan from a Money Pit style budget disaster
This episode isn't your usual rate breakdown, it's Hollywood's biggest mortgage moments, fact checked by two people who actually do this for a living.
Watch till the end, you might never see these movies the same way again.
23 min
June 23The Fed Flipped On Rate Cuts, What Now?
Is the Fed about to break your mortgage plans?
In this episode of Make Money Count, Marcus and Justin break down new Fed Chair Kevin Warsh's very first policy meeting, and why it didn't go the way most people expected.
We break down:
Why Warsh, Trump's own pick, spent his first meeting talking about inflation instead of cutting rates
How the Fed's "dot plot" flipped from pricing in a cut to pricing in a hike, and what that actually means
Why Warsh says rates are too low for Wall Street but too high for Main Street, and why the Fed can't fix both
How a stronger US stance puts pressure on the Canadian dollar, and why that could force the Bank of Canada's hand
What RBC, TD, BMO, Scotia, and CIBC are each predicting for rates, and what it means for your mortgage choice
This episode isn't your usual headline recap, it's a real breakdown of how one Fed meeting can move your mortgage rate, fact checked by two people who actually do this for a living.
Watch till the end, you'll know exactly what to ask your broker next.
31 min
June 15The Real Estate Opportunity Canadians Are Too Scared To Take
Is Canada sitting on the biggest real estate opportunity in years?
In this episode of Make Money Count, Marcus and Justin break down exactly what is happening in Canada's housing market, why prices are 20% off peak, and why most Canadians are still too scared to move.
We cover:
Why housing is 20% off peak and what nine quarters of affordability improvements actually mean
How fear and consumer sentiment are keeping buyers out of the market
Why condos are trading at pennies on the dollar and who is already buying them
The distressed real estate deals that smart money and foreign funds are quietly gobbling up
Why the rental market is still under pressure and what it means for builders and investors
The labor shortage risk nobody is talking about and why it matters for the future of housing
This episode is not about panic. It is about seeing the opportunity clearly before everyone else does.
Watch till the end. The housing market is shifting and the window that is open right now will not stay open forever.
17 min
June 06Inflation Is Rising. Rates Aren't Dropping. What’s Next?
Is Canada headed for a rate hike nobody saw coming?
In this episode of Make Money Count, Marcus and Justin sit down days before the Bank of Canada's June 10th meeting to break down exactly what's happening with interest rates, inflation, and your mortgage renewal.
We break down:
Why a rate cut on June 10th is basically off the table
How Canada ended up in a recession with inflation still rising
What the Strait of Hormuz has to do with your mortgage rate
Why your bank's renewal offer is likely insulting and what to do instead
What the big banks are actually forecasting for rates in 2026 and 2027
Why 40% of Canadian mortgages renewing this year is a bigger deal than most people realize
This episode isn't about panic. It's about being informed, prepared, and ahead of the people who just sign whatever mortgage renewal their bank sends them.
Watch till the end. The mortgage market is shifting and the decisions you make in the next few weeks could follow you for the next three years.
19 min
May 22Don't Trust Your Bank. Here Is The Smarter Mortgage Move.
Is your bank quietly working against you?
In this episode of Make Money Count, Marcus and Justin get into the mortgage conversation most Canadians never get to have. With bond yields climbing and fixed rates on the move, knowing what to do and when to do it could be the difference between a great mortgage and an expensive mistake.
We break down:
Why you should never trust your bank to give you the best mortgage rate
Fixed vs variable and the one move Marcus is recommending right now
Why the three year fixed is the smartest play in this market
When to start the mortgage conversation and why most people wait too long
How a salaried mortgage broker always gets you a better deal than your bank ever will
This episode is not about theory. It is about the real conversation that happens when you actually call a mortgage broker and ask the right questions.
If your renewal is coming up in the next six months, this one was made for you
13 min

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Welcome to Make Money Count, a podcast focused on the Canadian economy, Real Estate, and your mortgage.

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Make Money Count episodes

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